ABC Finance vs Bibby Financial Services: UK Invoice Finance Comparison 2026

Bibby Financial Services edges this one in our 2026 UK review at 4.4 of 5 against 4.0 for ABC Finance. Both are UK independent invoice finance providers, freer than banks on covenants and faster on decisioning. The difference is sector specialism, headline rate and minimum turnover floor. ABC Finance advances up to 90% (funder dependent) with setup in 3 to 10 working days; Bibby Financial Services advances up to 90% with setup in 5 working days. ABC Finance still wins where owners wanting one broker for several products matters more than the headline score. Read the side-by-side, then check the "when X wins" sections for the buyer-fit logic.

Side-by-side

As of 2026-05-27. Headline rates and advance percentages reflect each provider's published or commonly-offered position; bespoke pricing applies above ~£1m ledger so verify before signing.
ABC Finance Bibby Financial Services
Cluster independentindependent
Product type Invoice finance broker (whole-of-market)Invoice finance (factoring, CID, ABL)
Min turnover Varies by funder£100k
Advance rate Up to 90% (funder dependent)Up to 90%
Typical fee Funder rates; commission paid by lender0.5% to 3% service charge plus discount margin
Contract / commitment Whole-ledger or selectiveWhole-ledger or selective
Confidential available? YesYes
Factoring available? YesYes
Setup speed 3 to 10 working days5 working days
Best for Owners wanting one broker for several products; Comparison-led buyers; Property-plus-trading businessesConstruction subcontractors; Recruitment agencies; SME manufacturing
Overall rating 4.0 / 54.4 / 5
Last reviewed 2026-05-272026-05-12

When ABC Finance wins

  • Whole-of-market invoice finance brokering.
  • Also covers bridging, asset and property finance.
  • Commission paid by the funder, not the client.
  • Helpful where a business needs several facility types.

Best for

Owners wanting one broker for several products, Comparison-led buyers, Property-plus-trading businesses.

Watch outs

  • A broker, not a direct lender.
  • Underwriting and rate set by the funder.
  • Invoice finance is one of many product lines.

When Bibby Financial Services wins

  • UK independent leader by volume, 9,000+ clients.
  • Sector-specialist underwriting teams for construction, recruitment, manufacturing.
  • Setup faster than high street banks (5 days vs 10-15).
  • Acquired Aldermore Working Capital Finance 2023, broadest UK panel.

Best for

Construction subcontractors, Recruitment agencies, SME manufacturing.

Watch outs

  • Service charge rate negotiable but rarely undercuts Close Brothers headline.
  • Personal guarantee standard for smaller facilities.
  • Larger facilities reviewed by credit committee, slower than fintech.

FAQ

ABC Finance or Bibby Financial Services: which is the better UK invoice finance provider in 2026?

Bibby Financial Services scores higher overall in our 2026 review at 4.4 of 5 versus 4.0 for ABC Finance. That headline does not settle the answer though. ABC Finance is the stronger pick for owners wanting one broker for several products; Bibby Financial Services is the stronger pick for construction subcontractors. If your business fits one of those use cases, ignore the rating and pick the right fit.

What are the headline commercials, ABC Finance vs Bibby Financial Services?

ABC Finance advances up to 90% (funder dependent) at funder rates; commission paid by lender. Bibby Financial Services advances up to 90% at 0.5% to 3% service charge plus discount margin. Minimum turnover is Varies by funder for ABC Finance and £100k for Bibby Financial Services. Setup runs 3 to 10 working days for ABC Finance and 5 working days for Bibby Financial Services. Bespoke pricing is common above £1m ledger so verify before signing.

Can I get a confidential facility with either ABC Finance or Bibby Financial Services?

ABC Finance offers confidential invoice discounting (your customers are not notified). Bibby Financial Services offers confidential invoice discounting. If your customer relationships make disclosure a non-starter, that determines the answer regardless of headline rate.

Where does each one struggle?

ABC Finance is the wrong fit for direct-lender relationship preference. Bibby Financial Services is the wrong fit for sub-£100k turnover. If either describes your business, browse the side-by-side or get matched against the wider UK panel via our quote form.

Can Market Invoice help me choose between ABC Finance and Bibby Financial Services?

Yes. We are an independent UK invoice finance comparison operated by Best Business Loans Ltd (16833937). We are not tied to either provider. Tell us monthly turnover, sector, debtor profile and whether you need the facility confidential. We match you against the UK invoice finance providers most likely to approve at a competitive rate, then stay your editorial reference for life.

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Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).